What is Workers’ Compensation insurance?
Workers’ Compensation is a compulsory statutory form of insurance for all employers in Uganda which provides protection to workers if they suffer a work-related injury or disease.
Workers’ compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.
Employers pay premiums, and when there is a claim, the insurance company checks to see what benefits are owed, and then pays the injured party. You, as the injured worker, are the injured party receiving the workers’ compensation benefits.
Workers compensation insurance protects both the employee and the employer.
- Medical costs due to injury or illness occurring while employee was on the job
- Payment of injured employee’s missed wages
- Provide necessary ongoing care for injured employee
- Covers legal costs if employee sues your company due to the injury
- Funeral costs and death benefits if employee dies due to a work related event
What’s not Covered
- Funds to Improve Workplace Safety
- Third-Party Damage
- Injuries suffered while an employee is intoxicated or using illegal drugs.
- Injuries caused by a worker who starts a fight.
- Injuries suffered while a worker was committing a serious crime.
- Injuries suffered while an employee was not on the job.
- Injuries suffered when an employee’s conduct violates company policy.
- Willful attempt to injure oneself or another.
- Employees who suffer a heart attack.
- Injuries from repetitious mental trauma.
- Contracting ordinary disease of life.
- Injuries suffered during participation in off-duty recreational activity.
- An incident that arose out of an act of God.
- Employee’s horseplay that produces or causes an injury.